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{Credit repair software will help you mend your own credit file, improving your FICO score and helping you get the credit you deserve. The tips in this article can aid you in the long road to repairing your credit and improving your credit scores with the three major credit bureaus: Equifax, TransUnion, and Experian.
To build a positive credit file and improve you credit score, maintain positive credit with institutions that report to the three major credit bureaus, TransUnion, Equifax, and Expedia. First, get some positive credit accounts on the reports. Consider an in-store credit card if you're not able to find an major credit card because of your low credit score. You must use it responsibly, charging amounts and paying on time. This history of responsible credit use will improve your credit ranking. It's the first step to working your way up formula that determines your credit score.
The other imperative is to remove as many of the negative items on your credit report as possible. Negative entries can effect your credit file for seven years. You should dispute all negative items that appear on your credit file, using strategies found in credit repair software like Luster Credit Repair. The credit reporting agencies try to dissuade you saying accurate items can't be disputed. Remember, the credit bureau's can only include items that can be verified as accurate on your credit file. Items that are not verified must be removed.
But the credit bureaus use delaying tactics and stonewalling to discourage consumers from disputing items on their credit files. Using the techniques taught in informative credit score programs like Luster, you can learn how to use the Fair Credit Reporting Act (the FCRA), the Fair and Accurate Credit Transactions Act (FACTA), and the Fair Debt Collection Practices Act (FDCPA) to enforce your rights and ensure that only accurate and verifiable items appear on your credit file.
Legitimate DIY credit score software can assist you in doing everything the online 'credit repair agencies' or 'credit counseling services' can do with your credit file. Often the credit repair software agencies are nothing more than generic letter factories, sending form letters you could send yourself, and charging upfront fees and monthly fees as long as you use their services. And if you decide to stop, they won't provide a history of the challenges you have sent the credit bureaus, so whatever work has been done (if any) is lost, and you must start over on your own losing valuable time.
Further, credit counsellors often promote debt consolidation or other fee rich schemes, many of which have horrible effects on your credit score. Remember, the creditors in all these situations are looking to get the most cash possible, and often don't concern themselves with how the settlement reporting will effect your credit score.
The DIY credit repair software should be able to explain the proper techniques for disputing each type of negative entry, especially if the credit bureau initially refuses to investigate or claims the item has been verified. The credit repair program should be able to explain the different techniques the credit repair software pro's use, and which techniques (often sold through ebooks far past their effective lives) are no longer useful or even illegal. The goal is to enforce the consumer protection laws established to protect honest consumers, not to find yourself in further trouble!
With a disciplined approach, good credit repair techniques, and patience and consistency, you can significantly improve your FICO score, and ensure when your credit is run, for a phone, for a loan, for a home or for a job, the credit bureaus are reporting the positive credit profile you want and deserve.